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Data / Consumer complaints / Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.: 24,972 CFPB consumer complaints in the last 3 years

Bread Financial Holdings, Inc. drew 24,972 consumer complaints in the CFPB database in the three years to November 6, 2026, and 50,102 since 2016. The largest group, 9,037, was about credit card, and the most common issue was “Incorrect information on your report” with 5,315. The company responded on time to 99.9% of the complaints, and 42.7% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit card companyGet credit card in California
  • 24,972Complaints, last 3 years
  • 50,102Complaints, all years
  • 99.9%Responded on time
  • 42.7%Closed with relief
  • 11Products
  • Nov 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 68,712
20259,401
20246,074
20235,964
20225,349
20214,031
20203,090
20192,666
20182,655
20172,112
201648

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit card9,03736.2%
Credit reporting or other personal consumer reports8,98636%
Debt collection6,46625.9%
Payday loan, title loan, personal loan, or advance loan2391%
Checking or savings account1440.6%
Debt or credit management640.3%
Money transfer, virtual currency, or money service180.1%
Prepaid card90.1%
Mortgage50.1%
Vehicle loan or lease30.1%
Student loan10.1%

Issues

IssueComplaintsShare
Incorrect information on your report5,31521.3%
Fees or interest2,84711.4%
Took or threatened to take negative or legal action2,76811.1%
Improper use of your report2,4459.8%
Problem with a company's investigation into an existing problem2,1738.7%
Attempts to collect debt not owed1,9417.8%
Problem with a purchase shown on your statement1,3535.4%
Getting a credit card8783.5%
Problem when making payments8733.5%
Other features, terms, or problems7102.8%
False statements or representation5952.4%
Written notification about debt5262.1%
Communication tactics5172.1%
Closing your account4741.9%
Advertising and marketing, including promotional offers4701.9%
Trouble using your card2210.9%
Struggling to pay your bill1510.6%
Credit monitoring or identity theft protection services1120.4%
Threatened to contact someone or share information improperly890.4%
Charged fees or interest you didn't expect880.4%
Managing an account720.3%
Problem with fraud alerts or security freezes310.1%
Electronic communications300.1%
Opening an account280.1%
Getting the loan260.1%

How the company responded

Company responseComplaintsShare
Closed with explanation14,25357.1%
Closed with non-monetary relief6,88327.6%
Closed with monetary relief3,78715.2%
In progress490.2%

States

StateComplaintsShare
California3,18612.8%
Florida2,95511.8%
Texas2,69110.8%
New York1,7186.9%
Georgia1,3105.2%
North Carolina1,1284.5%
Pennsylvania1,0544.2%
Illinois9964%
New Jersey9894%
Ohio6772.7%
Arizona5772.3%
Michigan5412.2%
South Carolina5072%
Virginia4892%
Massachusetts4841.9%
Maryland4821.9%
Tennessee3641.5%
Alabama3541.4%
Indiana3441.4%
Louisiana3401.4%
Washington3351.3%
Nevada3251.3%
Colorado2891.2%
Connecticut2761.1%
Missouri2621%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 31, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 31, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 30, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 29, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 28, 2026Credit cardImproper use of your reportClosed with non-monetary reliefconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 27, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Credit cardGetting a credit cardIn progressconsumerfinance.gov
October 27, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with non-monetary reliefconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 26, 2026Debt collectionCommunication tacticsIn progressconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 25, 2026Credit cardFees or interestClosed with monetary reliefconsumerfinance.gov
October 25, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
October 25, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 25, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 25, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Credit cardFees or interestClosed with monetary reliefconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Credit cardGetting a credit cardClosed with non-monetary reliefconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 23, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Credit cardOther features, terms, or problemsIn progressconsumerfinance.gov
October 23, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Credit cardProblem with a purchase shown on your statementClosed with monetary reliefconsumerfinance.gov
October 23, 2026Credit cardClosing your accountClosed with monetary reliefconsumerfinance.gov
October 23, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.